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Market downturns in first few years of retirement can thwart best-laid plans ​

April 25, 2017

Portfolio returns in the early years of retirement could have a large bearing on the success or failure of a retirement income strategy; a few years of early market appreciation means a high likelihood for a healthy retirement, while a flat...

Nuveen adds direct real estate to target-date funds

April 24, 2017

There are plenty of reasons why owning direct real estate inside a registered mutual fund could present challenges to a portfolio manager, but Nuveen is focusing on the potential upside by adding real estate to it TIAA-CREF Life Cycle Funds....

Avoid these common RMD mistakes

April 24, 2017

With roughly 10,000 baby boomers turning age 70½ every day, knowing how to help clients take required minimum distributions from retirement accounts like 401(k)s and IRAs is becoming more important for advisers. The topic of RMDs is actually...

In K-12 403(b) plans, employees and their unions can be their own worst enemy

April 20, 2017

Defined contribution plans for public school teachers are notoriously poor retirement plans, often described as a Wild West of sorts that's plagued by minimal plan oversight, subpar investment options, and fund and insurance brokers who are...

Ric Edelman proposes Social Security fix: Allot $7,000 for each baby

April 19, 2017

A prominent financial adviser is proposing to fix the Social Security system by using the same approach that he recommends to clients: Start saving early and take advantage of compound growth. Ric Edelman, executive chairman of Edelman Financial...

New mutual funds under DOL fiduciary rule could save investors at least 0.50% in returns: Morningstar

April 18, 2017

New mutual-fund share classes being developed as a result of the Department of Labor's looming fiduciary rule will likely save investors at least 0.50% in returns when compared with the current selection, according to a new analysis published...

Fees, lawsuits top concerns for defined contribution executives

April 17, 2017

Fees and litigation fears dominate the thinking of defined contribution plan executives and their consultants even though plan costs have come down over the years, according to a new survey by Pacific Investment Management Co., Newport Beach,...

Help clients use qualified charitable distributions to save on taxes

April 14, 2017

Charitable IRA rollovers, technically known as qualified charitable distributions, save taxes. So why aren't clients taking advantage of them? We're not seeing many people using them, when most clients who qualify should be. This tax benefit...

What will be the next big thing for 401(k) plans?

April 13, 2017

Defined contribution plans have been around for about four decades, and have been popular with small and mid-sized companies for about 25 years. The evolution of 401(k) plans and 403(b) plans over that time, during which they became a replacement...

Top 10 record keepers of defined contribution plans

April 13, 2017

The largest defined-contribution-plan record keepers all experienced positive asset growth last year, according to Pensions & Investments' annual record keeper survey. Bank of America Merrill Lynch, the No. 7 service provider by assets, had...

President Trump signs resolution to effectively kill city auto-IRA rule

April 13, 2017

President Donald J. Trump on Thursday signed into law a resolution that nullifies Obama-era retirement rules meant to encourage cities and other municipalities to develop auto-IRA programs for private-sector workers. The resolution, H.J. Res....

Courses available to become a Medicare pro

April 12, 2017

Like it or not, clients near retirement often have burning questions about when to enroll in Medicare, particularly if they are still working. If they are enrolled in Medicare already, they may have questions about their premiums. Wouldn't it...

Retirement plan advisers should bone up on lifetime income

April 11, 2017

The continuing demise of defined benefit plans and increasing concern about the future of Social Security have dramatically reduced the certainty of retirement income for most Americans. Guaranteed income options in defined-contribution plans...

Why the Senate should overturn state retirement rules

April 11, 2017

Why are state governments implementing mandatory retirement plans? The answer is simple: Some Americans are not saving for retirement and an auto-enrollment IRA program could increase the retirement savings rate. The tougher question: Why are...

More 401(k) advisers face litigation risk in June under DOL fiduciary rule

April 11, 2017

A greater number of advisers and firms servicing 401(k) plans and their participants could be at risk of litigation in a few months' time, when implementation of some provisions of the Labor Department's fiduciary rule are set to kick in. This...

Advisers should heed fiduciary principles in ongoing Tibble 401(k) suit

April 11, 2017

At the end of last year, Glenn Tibble's long-standing claim against Edison International regarding excessive 401(k) fees was given an opportunity to continue by the U.S. Circuit Court of Appeals for the Ninth Circuit. The primary issue in that...

Social Security update for same-sex couples

April 10, 2017

When is a marriage a marriage? In the case of same-sex couples, it can be complicated, particularly if their union pre-dates the nationwide recognition of gay marriage. On June 26, 2015, the U.S. Supreme Court issued a decision in Obergefell...

BlackRock sued for alleged self-dealing in its 401(k) plan

April 10, 2017

BlackRock Inc., the world's largest asset manager, is being sued by a former employee for self-dealing in the company's 401(k) plan, the latest excessive-fee case involving an asset manager offering proprietary investment funds to retirement...

3(38) vs. 3(21) investment fiduciary services: the pros and cons for 401(k) advisers

April 7, 2017

As lawsuits targeting 401(k) plan sponsors have proliferated and buzz around the Department of Labor's fiduciary rule continues building, demand for investment fiduciary services has grown among employers, and advisers have evolved to meet the...

Senate, House introduce bills mandating lifetime income disclosures for 401(k) plans

April 6, 2017

Bipartisan legislation was introduced today in the Senate and House of Representatives that would require employers to provide 401(k) participants with a projection of monthly income at retirement, based on their current account balance. Johnny...

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